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Service Line Insurance

Depending on the type and severity of service line damage, repair work can be quite expensive and is not typically covered by a standard property policy.  

REInsurePro offers a Service Line insurance coverage add-on to help protect investors financially in the event of a costly incident. Policies fit within our monthly reporting form and can be standalone or added to existing coverage. 

At-A-Glance

Service Line Coverage

REInsurePro’s Service Line insurance covers failures to exterior underground utility lines, including water, sewer, electrical, heating, and communications lines. Covered failures include leaks, breaks, tears, ruptures, collapse, or electrical arcing and may be caused by wear and tear, corrosion, animal interference, freezing, or root invasion.

Availability & Exclusions

REInsurePro’s Service Line insurance is available anywhere we sell coverage. Investors have the option of two coverage limits, $10K or $15K—subject to a $500 deductible. Please note that service lines 50 years or older are limited to $2,500 of coverage.  

This offering does not cover any damage to the dwelling that results from the service line failure; it is intended to cover the costs associated with the repair or replacement of the service line and outdoor area. Service line failure does not include blockage or low pressure when there is no physical damage to the covered service line.

Service Line Insurance Cost

Monthly premiums for our Service Line insurance coverage start as low as $10 per month and vary based on the value of the property and level of coverage.  

Service Line insurance is available anywhere REInsurePro sells coverage.

Service Line insurance FAQ

Frequently asked questions and answers about REInsurePro's Service Line coverage.

REInsurePro’s Service Line insurance offering covers the failure of exterior underground service lines, including piping and wiring connecting the property to main utility lines for communications, electrical power, heating, sewage, or water service. In this case, “failure” means a leak, break, tear, rupture, collapse, or electrical arcing. A covered service line failure may be caused by, but is not limited to:   
  • Wear and tear, marring, deterioration, or hidden decay  
  • Rust or other corrosion   
  • Mechanical breakdown, latent defect, or inherent vice  
  • Weight of vehicles, equipment, animals, or people  
  • Vermin, insects, rodents, or other animals   
  • Artificially generated electrical current   
  • Freezing or frost heave   
  • External force from a shovel, backhoe, or other form of excavation  
  • Tree or other root invasion 

If the sewer line is damaged as a result of the service line failure, this product will provide coverage to repair or replace the damaged line as well as excavation and outdoor property that may have been damaged. If the damaged sewer line causes a back-up into the house, the damage caused inside would not be covered. Most property policies exclude this cause of loss. Check out our Tenant Protector Plan® to obtain coverage for sewer backup. 

Depending on the type and severity of damage, repair work for service line damage can be quite expensive. The average cost to replace or repair a main sewer line is about $4K, with a complete replacement ranging anywhere from $8K to $30K. Starting at $10 per month, REInsurePro’s offering is an effective service line insurance solution for investors. 

Insured losses may include damages to covered service lines, excavation costs, outdoor property, and expediting expenses. Below are a couple of common losses related to service lines and if they are insured: 

  • Tree roots have grown into the property’s water line, causing a break. As a result, water from the main line fills the investor’s yard.
    • This insurance for water service lines would include the cost to excavate and replace the water line.    
  • A tenant flushed multiple non-flushable items creating a clog in the line between the house and the main sewer line. The line remains intact but causes the sewer to back up into the property.
    • The cost to excavate and replace the sewer line is not insured because there was no physical damage to the service line.
    • The cost to clean the sewer backup damage inside the home is not insured.   
    • REInsurePro offers the Tenant Protector Plan® for instances like these. TPP includes a sublimit of property coverage for Sewer & Drain Backup. 
  • A tenant regularly parks their vehicle in the yard, directly over a service line. As a result, the line breaks and must be replaced.   
    • The cost to excavate and replace the line is insured.

Learn more about Service Line coverage

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